Faced with repaying my banks over-payment to my checking account, bank error.
First off, let me thank you for your time and briefly explain my dilema. Approx. 7 months ago, I was a victim of online identity theft. Which I was taken for about 1,700 dollars, through my checking/debit card. My bank was great trough it and all monies returned, gradually. It was complicated and little by little I began to see each fraudulant purchase and draft fees returned, but it took about 5 weeks for all. Now, the largest sum was 1,223 dollars. It was returned once only to be taken again, finally in aggrivation returned again. Well, I had several thousand in my checking/ savings at the time and got to the point I lost track, thinking the bank had or would continue doing there job. To sum it up, they apparently had put the 1,223 bucks in my acct, not once but twice! Being absent minded and aggrivated, I didn't think much of it. Until.. today!! when I checked my balance to find I was negative the 1, 223 bucks plus 33 fees! I'm petrified and omg am I broke!! I have also a savings whicj my ssi deposits there auto, each month too. I don't know what to do! I can't repay it, my question is, will they freeze and drain my savings on the 1st? its my rent and all have quite frankly. I intend on calling tomm but, I'm scared of leagl action too. Cwhat should I do?. should I immedialy open a new checkingand savings w/ a new bank before my credit is shot/, I'm disabled and need my ssi and acct's to pay my bills, next week!. please give me advice. It was there mistake in paying me too much.. but I should a kept better notes I know. Al expert advice appreciated much... thanks, slk 1964